If you have a VA loan now, you have the option to refinance with the VA IRRRL program. You don’t need to verify your income, assets, credit score, or home value for this loan, but it’s not the right choice for everyone. As a veteran, you do have other choices when you want to refinance. […]

If you have bad credit, you may think that a home equity loan is out of reach. Unlike first mortgages, though, there’s a bit more flexibility in home equity programs. Most lenders have their own programs that they don’t have to follow investors’ guidelines on, making it easier for you to find a loan that […]

Refinancing costs money, but how much? How do you know if you should refinance or wait? Learn the standard costs for a VA loan refinance and how to find the lowest priced lender for your refinancing needs. Looking for Current Mortgage Interest Rates? Click Here. The Funding Fee Most refinance fees vary by lender, but […]

It might surprise you to learn that the VA doesn’t set VA loan interest rates. The VA plays a very removed role in your loan process. They guarantee the loan for lenders, but they don’t play a role in underwriting, funding, or even the interest rates. Compare Offers from Several Mortgage Lenders. So who sets […]

First-time homebuyers are in a unique situation. First, you’ve never had a mortgage before, you so may not know what to look for or expect. Second, you don’t have a home with equity to sell to help you with the down payment. Compare Offers from Several Mortgage Lenders. It’s easy to see how first-time homebuyers […]

If you are like most people, you probably think there is one FICO credit score and it’s the same for all lenders. This isn’t the case, though. You actually have three different FICO scores. You have a Trans Union, Equifax, and Experian credit score. Compare Offers from Several Mortgage Lenders. So how do lenders look […]

Did you know that lenders check more than your credit when they qualify you for a VA loan? They also check CAIVRS or the Credit Alert Interactive Voice Response System. Only government lenders must use this system. Compare Offers from Several Mortgage Lenders. Learn what it means to have clear CAIVRS and how it can […]

If you served in the military and suffered a disability during or because of your service, you may be eligible for disability pay from the VA. Each veteran will receive a different amount based on their disability rating. Your disability can be physical or mental and qualify you for disability benefits. Looking for Current Mortgage […]

If you are a disabled veteran that has bad credit, you may think your chances of securing a home loan are minimal. We have good news for you though; you have a very plausible option in the VA home loan. Disabled veterans have the same rights as non-disabled veterans, which means you could be a […]

You’ll go through many steps when you apply for a mortgage, but perhaps the most exciting step is when you receive the Closing Disclosure. Receiving this document means that you are that much closer to being able to close the loan. Looking for Current Mortgage Interest Rates? Click Here. What is the Closing Disclosure? The […]

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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit
rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.